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Feb 5, 2015
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Feb 5, 2015
Promod Sharma Favorites
Topic: favorites
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Dec 14, 2013
12/13
Dec 14, 2013
by
Promod Sharma
audio
eye 63
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Podcast 250 Where did all the snow come from? More important, how do you clear the deluge? The tax-funded snow plows clear the streets, though perhaps not as quickly as you’d like. You’re left to tackle your own driveway and walkway with your shovel or snow blower. You’re left to tackle your finances too. This podcast accompanies a blog post at Riscario Insider: Are Your Finances Snowed In?
Topics: podcast, Riscario Insider, buyer beware, families, financial literacy, buyer beware
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1.2K
Dec 7, 2013
12/13
Dec 7, 2013
by
Promod Sharma
audio
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Podcast 249 David Chilton has a deep understanding of the financial world. More important, he understands the irrational ways we behave. Most important, he’s funny. Very funny. What a powerful and useful combination. This podcast features selected experts from the book. This podcast accompanies a blog post at Riscario Insider: The Wealthy Barber Returns With More Wisdom
Topics: podcast, Riscario Insider, buyer beware, families, financial literacy, buyer beware, investments,...
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174
Nov 29, 2013
11/13
Nov 29, 2013
by
Promod Sharma
audio
eye 174
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Podcast 248 ‘Tis the season to shop. Retailers always find reasons for us to spend our money. Since when did Santa mean shopping? He symbolizes giving. If you must shop, here are 12 timeless tips. This podcast accompanies a blog post at Riscario Insider: 12 Timeless Tips For Wise Shopping
Topics: podcast, Riscario Insider, buyer beware, families, financial literacy
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127
Nov 24, 2013
11/13
Nov 24, 2013
by
Promod Sharma
audio
eye 127
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Podcast 247 Let’s dream. Imagine retiring early with nary a financial worry. What's your magic age? We’ll explore 35, 55 and 75. This podcast accompanies a blog post at Riscario Insider: Will You Have Financial Freedom at 35, 55 or 75?
Topics: podcast, Riscario Insider, retirement, planning, longevity, investments
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61
Nov 17, 2013
11/13
Nov 17, 2013
by
Promod Sharma
audio
eye 61
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Podcast 246 Why did you get sick? Sometimes the cause and lesson are clear. Other times we make shaky connections. Either way, what steps do we take to avoid getting sick again? This podcast accompanies a blog post at Riscario Insider: What Do You Learn From Getting Sick?
Topics: podcast, Riscario Insider, health, morbidity
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109
Nov 9, 2013
11/13
Nov 9, 2013
by
Promod Sharma
audio
eye 109
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Podcast 245 Breaking Bad fans: would Walter White have turned to crime if he had the right insurance in place? We explore what he needed and how he could have paid. This podcast accompanies a blog post at Riscario Insider: Insurance Lessons From Breaking Bad
Topics: podcast, Riscario Insider, learning, financial risks, life insurance, health insurance, planning
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77
Nov 2, 2013
11/13
Nov 2, 2013
by
Promod Sharma
audio
eye 77
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Podcast 244 Before gobbling the bounty from your trick-or-treating, don't you first check the loot and throw out questionable items like apples? Financial information is even scarier than Halloween. You might get the wrong information and be worse off. Your sources could be in costume, hiding their true identities. Here's how to screen the sources of the financial education. This podcast accompanies a blog post at Riscario Insider: How To Screen Your Sources For Financial Literacy Education
Topics: podcast, Riscario Insider, learning, financial risks, buyer beware
65
65
Oct 26, 2013
10/13
Oct 26, 2013
by
Promod Sharma
audio
eye 65
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Podcast 243 “Today, the world daily average consumption of added sugar per person is 17 teaspoons — up 45% compared with 30 years ago.” — Sugar: Sweet With A Bitter Aftertaste (Credit Suisse) Sugar used to be scarce but now we’re suffering from abundance. Here are five ways to cut back. This podcast accompanies a blog post at Riscario Insider: Five Sweet Ways To Cut Back On Sugar
Topics: podcast, Riscario Insider, health, morbidity, sugar, obesity, diabetes
61
61
Oct 19, 2013
10/13
Oct 19, 2013
by
Promod Sharma
audio
eye 61
favorite 0
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Podcast 242 "Dad, can I borrow the car?" Like teens, advisors want to look independent but may not be. How do you tell and why does this matter? This podcast accompanies a blog post at Riscario Insider: How To Tell If Your Advisor Is Independent
Topics: podcast, Riscario Insider, learning, financial risks, buyer beware
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96
Oct 12, 2013
10/13
Oct 12, 2013
by
Promod Sharma
audio
eye 96
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Podcast 241 Do you remember the tale of David and Goliath? That’s the title of Malcolm Gladwell’s new book. He shared his interpretation at TED@250. We'll examine lessons for you and your money This podcast accompanies a blog post at Riscario Insider: How To Protect Your Money From Goliath
Topics: podcast, Riscario Insider, learning, financial risks, buyer beware
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181
Oct 4, 2013
10/13
Oct 4, 2013
by
Promod Sharma
audio
eye 181
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Podcast 240 One of the best ways to keep earning is to keep learning. Maybe the solution is the Netflix “all-you-can-eat-for-low-monthly-fee” approach. This podcast accompanies a blog post at Riscario Insider: Netflix For Learning: Unlimited Access To eMagazines, eBooks and Audiobooks
Topics: podcast, Riscario Insider, learning, financial risks
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57
Sep 28, 2013
09/13
Sep 28, 2013
by
Promod Sharma
audio
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Podcast 239 Personal finance is important but not much of a draw, regardless of the weather. We often know what to do ... but don’t. Money 50/50 is a proposal for a perfect live interactive event that can be replicated across the country. This podcast accompanies a blog post at Riscario Insider: Money 50/50: The Perfect Live Event To Master Your Money
Topics: podcast, Riscario Insider, trust, financial literacy, learning, conference
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65
Sep 22, 2013
09/13
Sep 22, 2013
by
Promod Sharma
audio
eye 65
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Podcast 238 “People now continue working well into their 60s and 70s, so you need to stay relevant in the job market by nurturing your existing skills while also learning new ones.” — US News & World Report (Sep 2013) Krypton Community College is a new initiative from Seth Godin to make education engaging, useful and accessible around the world. It's free too. Learn more about this genuine innovation which launches on Oct 1, 2013. This podcast accompanies a blog post at Riscario...
Topics: podcast, Riscario Insider, learning, longevity, retirement
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49
Sep 13, 2013
09/13
Sep 13, 2013
by
Promod Sharma
audio
eye 49
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Podcast 237 We’re easy to influence. The new iPhone 5C and 5S look like modest improvements rather than ground-breakers like the original iPhone. Yet people started waiting in line before they even knew what Apple was launching. There are other examples too. This podcast accompanies a blog post at Riscario Insider: We're Easy To Fool (With Examples)
Topics: podcast, Riscario Insider, trust, marketing, buyer beware
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127
Sep 8, 2013
09/13
Sep 8, 2013
by
Promod Sharma
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eye 127
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Podcast 236 As buyers, we know that we can usually search online to see if we're making a good decision. Financial products are an exception. Let's look at an example. This podcast accompanies a blog post at Riscario Insider: Case Study: Seller Beware vs Buyer Beware
Topics: podcast, actuary, riscario radio, families, life insurance, comparisons, buyer beware
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185
Aug 31, 2013
08/13
Aug 31, 2013
by
Promod Sharma
audio
eye 185
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Podcast 235 “I was handed a tough life lesson at a very early age.” — Boomer Esiason Boomer (MVP Quarterback and Sportscaster) is the spokesperson for Life Insurance Awareness Month 2013. Did you know that his mom died when he was seven. We explore his story. This podcast accompanies a blog post at Riscario Insider: At Age 7, Boomer Esiason Learned No One Is Guaranteed A Tomorrow
Topics: podcast, actuary, riscario radio, families, life insurance, philanthropy, planning
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4.2K
Aug 22, 2013
08/13
Aug 22, 2013
by
Promod Sharma
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eye 4,201
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Podcast 234 How fast and reliable is your Internet service over WiFi? Here are steps for better results. The example is Rogers but the ideas work elsewhere too. This podcast accompanies a blog post at Riscario Insider: How To Get Your Rogers Internet Working Over WiFi
Topics: podcast, actuary, riscario radio, families, internet, WiFi, How To
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162
Aug 17, 2013
08/13
Aug 17, 2013
by
Promod Sharma
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Podcast 233 Part of being an actuary is looking into the future. Here are predictions I made in high school circa 1978 — 35 years ago. This podcast accompanies a blog post at Riscario Insider: A Teen Predicts The Future In 1978
Topics: podcast, actuary, riscario radio, families, predictions, planning, future
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90
Aug 10, 2013
08/13
Aug 10, 2013
by
Promod Sharma
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eye 90
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Podcast 232 You're probably more familiar with your mobile phone than your life insurance. Let's compare the two (and explore whether Verizon's entry into Canada would make much of a difference). This podcast accompanies a blog post at Riscario Insider: Handcuffed: Comparing Contracts For Mobile Phones And Life Insurance
Topics: podcast, actuary, riscario radio, families, buyer beware, competition, mobile phones
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645
Aug 3, 2013
08/13
Aug 3, 2013
by
Promod Sharma
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Podcast 231 "Rogers" and "happy" in the same sentence? Here's a review of Rogers Unlimited Internet and how to use it. This podcast accompanies a blog post at Riscario Insider: A Review Of Rogers Unlimited Internet (And How To Use It)
Topics: podcast, actuary, riscario radio, families, buyer beware, Internet
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105
Jul 27, 2013
07/13
Jul 27, 2013
by
Promod Sharma
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eye 105
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Podcast 230 Ctrl Alt Delete is one of the few books I recommend everyone read. This time, Mitch Joel looks at the future of work. He asks a key question: will you be employable in five years? . We look at steps for today and tomorrow. This podcast accompanies a blog post at Riscario Insider: Ctrl Alt Delete: Mitch Joel's Eight Steps To A Job Today
Topics: podcast, actuary, riscario radio, families, planning, career, learning
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133
Jul 20, 2013
07/13
Jul 20, 2013
by
Promod Sharma
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Podcast 229 Sometimes a little is enough. Back in 1948, Ed Mirvish got $212 from an unlikely source and created Honest Ed's, the one-location-only discount store. It's now for sale ... This podcast accompanies a blog post at Riscario Insider: How Honest Ed Turned $212 Into $100,000,000
Topics: podcast, actuary, riscario radio, families, planning, financial risks, inflation, legacy
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60
Jul 13, 2013
07/13
Jul 13, 2013
by
Promod Sharma
audio
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Podcast 228 What is with the weather these days? A storm dropped a record 126 mm of rain on Toronto on Monday, July 8, 2013, primarily during the evening commute. There wasn’t much advance warning. The next two dire forecasts were wrong. What's going on? This podcast accompanies a blog post at Riscario Insider: Why Are We Flooded With Bad Weather Forecasts?
Topics: podcast, actuary, riscario radio, families, planning
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72
Jul 6, 2013
07/13
Jul 6, 2013
by
Promod Sharma
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Podcast 227 Mike Holme wants us to get educated, get an independent inspection and get things fixed. Let's apply that prescription to the financial sector. This podcast accompanies a blog post at Riscario Insider: How Would Mike Holmes Fix The Financial Sector?
Topics: podcast, actuary, riscario radio, families, buyer beware, trust, financial literacy, advisors
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3.6K
Jun 29, 2013
06/13
Jun 29, 2013
by
Promod Sharma
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Podcast 226 Yesterday, I heard that Rogers offers Internet plans with unlimited data. Could this be true? I clicked the link and found the page was empty. The link isn't broken but the content is gone. Luckily, Google saved a copy of the missing page. We discovered surprises. This podcast accompanies a blog post at Riscario Insider: Ultimate Unlimited Internet? How Rogers Fooled Us Three Times
Topics: podcast, actuary, riscario radio, families, buyer beware, health, trust
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183
Jun 23, 2013
06/13
Jun 23, 2013
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Promod Sharma
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eye 183
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Podcast 225 The quest for money leads to bad behaviour. After a five year investigation, three major chocolate makers got charged with price-fixing this month. This podcast accompanies a blog post at Riscario Insider: Chocolate, Price Fixing and Salmonella Poisoning
Topics: podcast, actuary, riscario radio, families, advisors, buyer beware, health, trust, families
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147
Jun 15, 2013
06/13
Jun 15, 2013
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Promod Sharma
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Podcast 224 Survey says … the most trusted public person in the US is Tom Hanks (Readers Digest, Jun 2013). How did he get cheated? His insurance advisor (Jerry B Goldman) charged more than list price for coverage for 13 years (1998 to 2011). Why wasn't this spotted earlier? This podcast accompanies a blog post at Riscario Insider: How Tom Hanks — The Most Trusted American — Got Cheated By His Insurance Advisor
Topics: podcast, actuary, riscario radio, families, advisors, buyer beware, financial literacy, trust
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65
Jun 8, 2013
06/13
Jun 8, 2013
by
Promod Sharma
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Podcast 223 When you move, you have an opportunity to change advisors? Let's explore the pros and cons. This podcast accompanies a blog post at Riscario Insider: Should You Change Advisors When You Move?
Topics: podcast, actuary, riscario radio, families, advisors, buyer beware, financial literacy
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Jun 1, 2013
06/13
Jun 1, 2013
by
Promod Sharma
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eye 74
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Podcast 222 Prudence (name changed) is helping her parents switch investment advisors. The new choice might be worse than the current bad one ... This podcast accompanies a blog post at Riscario Insider: (Mailbag) Switching Investment Advisors: Bad To Worse?
Topics: podcast, actuary, riscario radio, families, trust, financial literacy, planning
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63
May 25, 2013
05/13
May 25, 2013
by
Promod Sharma
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eye 63
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Podcast 221 (note: audio quality is poor due to microphone problems) Think different. Imagine your friend earns $1,000,000 and pays $600 in tax. Or earns $10,000,000 and pays $6,000. Well, on $30 billion of net income ($30,000,000,000), Apple paid $21,000,000 in tax. That’s a tax rate of 0.06%. Let's look deeper. This podcast accompanies a blog post at Riscario Insider: The Reaction To Apple's Tax Avoidance
Topics: podcast, actuary, riscario radio, families, tax, corporate governance, trust
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108
May 18, 2013
05/13
May 18, 2013
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Promod Sharma
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eye 108
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Podcast 220 Buying life insurance is a sign of maturity: you care enough to protect your family. How do you buy? Here are tips to help you. This podcast accompanies a blog post at Riscario Insider: Tips For First Time Life Insurance Buyers
Topics: podcast, actuary, riscario radio, families, life insurance, trust, health
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69
May 11, 2013
05/13
May 11, 2013
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Promod Sharma
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eye 69
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Podcast 219 Lake Wobegon is the place “… where all the women are strong, all the men are good looking, and all the children are above average." We like to think we’re better than than the rest but we can’t all be above average. Let's compare with the reality and take steps to close the gap. This podcast accompanies a blog post at Riscario Insider: How Healthy Are You Really?
Topics: podcast, actuary, riscario radio, health, families, self-deception
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May 4, 2013
05/13
May 4, 2013
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Promod Sharma
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Podcast 218 Their molehill. Your mountain. We suffered an Internet disruption. While inconvenient, we had a solid backup plan. Do you have a Plan B for your finances? This podcast accompanies a blog post at Riscario Insider: What's Your Financial Plan B?
Topics: podcast, actuary, riscario radio, planning, families
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206
Apr 27, 2013
04/13
Apr 27, 2013
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Promod Sharma
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Podcast 217 As you might expect, life changing events (e.g., birth of a child) used to trigger purchases of life insurance. That's no longer happening. Let's explore why. This podcast accompanies a blog post at Riscario Insider: Life Changing Events No Longer Trigger Insurance Purchases
Topics: podcast, actuary, riscario insider, buyer beware, planning, families, financial risks, LIMRA, life...
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Apr 12, 2013
04/13
Apr 12, 2013
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Promod Sharma
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Podcast 215 Companies focus on making profits for their owners. This week, Canadians are outraged by RBC bringing in 45 temporary foreign workers to replace current employees. Okay … but 18 of the 50 largest employers do too. Is that a surprise? This podcast accompanies a blog post at Riscario Insider: The Unwelcome Lesson From The RBC-iGate Saga Subscribe on iTunes
Topics: podcast, actuary, riscario insider, planning, learning, jobs
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67
Apr 6, 2013
04/13
Apr 6, 2013
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Promod Sharma
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Podcast 214 At a recent networking event, we were subjected to an infomercial from an advisor from a major company you'd recognize. He said our financial futures are less secure than we think. His solution? Buy investments and insurance from him. Really!?! This podcast accompanies a blog post at Riscario Insider: Do You Have A Financial Dream Or A Financial Nightmare? Subscribe on iTunes
Topics: podcast, actuary, riscario insider, buyer beware, advisors, hope, trust, planning
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Mar 28, 2013
03/13
Mar 28, 2013
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Promod Sharma
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podcast 213 We are adults. We make our own decisions. We accept the consequences. Unfortunately, there are big forces working against us. They don't take responsibility because we are supposed to have the education how to choose wisely. This podcast accompanies a blog post at Riscario Insider: The Battle Between Temptation And Personal Responsibility Subscribe on iTunes
Topics: podcast, actuary, riscario insider, buyer beware, families, health
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Mar 23, 2013
03/13
Mar 23, 2013
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Promod Sharma
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Podcast 212 Ernst & Young found that globally, 88% of survey respondents across a wide number of industries agreed that innovation was the one genuine differentiator and advantage they have over the competition. Unfortunately, the 2013 Canadian federal budget punishes innovation in life insurance by wanting to remove the tax advantages of "10-8" insured leveraging strategies which were first introduced in the 1990s. This podcast accompanies a blog post at Riscario Insider: Budget...
Topics: podcast, actuary, riscario insider, tax, leveraging, life insurance
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128
Mar 16, 2013
03/13
Mar 16, 2013
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Promod Sharma
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Podcast 211 It's easy to blame your parents for how you turned out. It's also unfair. Mistakes get made but we can learn from them and change. We’ll focus on your financial life. This podcast accompanies a blog post at Riscario Insider: Stop Blaming Your Parents Subscribe on iTunes
Topics: podcast, actuary, riscario insider, families, financial risks, learning
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Mar 9, 2013
03/13
Mar 9, 2013
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Promod Sharma
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Podcast 210 Blackberry President/CEO Thorsten Heins spoke at the 2013 Tech Leadership Conference. He spoke well, smiled and took audience questions. I listened but couldn't understand what he was saying and kept hearing what he left out. This podcast accompanies a blog post at Riscario Insider: Blackberry's Confusing Message At The 2013 Tech Leadership Conference (#TLC13) Subscribe on iTunes
Topics: podcast, actuary, riscario insider, buyer beware, marketing
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Mar 8, 2013
03/13
Mar 8, 2013
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Promod Sharma
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Podcast 210 Please listen to Blackberry's Confusing Message At The 2013 Tech Leadership Conference instead
Topics: podcast, actuary, riscario insider, buyer beware, marketing
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Mar 8, 2013
03/13
Mar 8, 2013
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Promod Sharma
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Podcast 210 Please listen to Blackberry's Confusing Message At The 2013 Tech Leadership Conference instead
Topics: podcast, actuary, riscario insider, buyer beware, clarity, marketing
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Mar 2, 2013
03/13
Mar 2, 2013
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Promod Sharma
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Podcast 209 'Fight Back: 81 Ways to Help You Save Money and Protect Yourself from Corporate Trickery' is a tough book to read. It's filled with example after example after example of businesses behaving badly towards their own customers. Unfortunately, this isn’t a work of fiction. Learn how to fight back. This podcast accompanies a blog post at Riscario Insider: Fight Back Against Corporate Trickery With Ellen Roseman's Insider Tips Subscribe on iTunes
Topics: podcast, actuary, riscario insider, trust, buyer beware, financial risks, learning
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Feb 23, 2013
02/13
Feb 23, 2013
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Promod Sharma
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Episode 208 The Academy Awards anoint the year's “best” films. Let’s say your advisor is in the running. Which category: best actor/actress, best director, best special effects? Let’s explore. This podcast accompanies a blog post at Riscario Insider: Imagine Your Advisor Winning An Oscar Subscribe on iTunes
Topics: podcast, actuary, riscario insider, trust, performance, buyer beware, academy awards, oscars
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Feb 23, 2013
02/13
Feb 23, 2013
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Promod Sharma
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Podcast 208
Topics: podcast, actuary, riscario insider, buyer beware, trust, performance, academy awards, oscars
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Feb 16, 2013
02/13
Feb 16, 2013
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Promod Sharma
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Episode 207 Pound Foolish is well researched and contains valuable insights into the world of personal finance. If money matters to you, read this book (after listening to this podcast). This podcast accompanies a blog post at Riscario Insider: If you have/had/want money, read Pound Foolish Subscribe on iTunes
Topics: podcast, actuary, riscario insider, planning, financial literacy, book review, families, learning,...
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Feb 10, 2013
02/13
Feb 10, 2013
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Promod Sharma
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Episode 206 Toronto just experienced the biggest snowstorm since 2008. Let’s say a foot of snow fell (30 cm), though drifting made the piles higher. We can’t accurately predict storms in advance. When the snow falls — and fall it will — how do you clean up the mess? You have several choices and each is like a form of life insurance. This podcast accompanies a blog post at Riscario Insider: Is Your Life Insurance Like a Shovel, Snowblower or Snowplow? Subscribe on iTunes
Topics: podcast, actuary, riscario insider, planning, life insurance, insurance literacy, snow, storm,...
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Feb 2, 2013
02/13
Feb 2, 2013
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Promod Sharma
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Episode 205 Peter Drucker once said, “Doing the right thing is more important than doing the thing right.” There’s also value in doing the right thing the right way at the right time. You can cancel your insurance anytime you want. That power comes with risks ... This podcast accompanies a blog post at Riscario Insider: The Best And Worst Times To Cancel Your Life Insurance Subscribe on iTunes
Topics: podcast, actuary, riscario insider, planning, financial risks, life insurance, insurance literacy,...
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115
Jan 19, 2013
01/13
Jan 19, 2013
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Promod Sharma
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Episode 203 If insurance were free, how much would you get? Probably get as much as the underwriters would approve. Since cost is a factor, you've got to prioritize. You may skip some forms of insurance, or reduce the amount you buy. There is another way. This podcast accompanies a blog post at Riscario Insider: How To Afford The Insurance You Need Subscribe on iTunes
Topics: podcast, actuary, riscario insider, planning, financial risks, procrastination
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Jan 19, 2013
01/13
Jan 19, 2013
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Promod Sharma
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Episode 203 If insurance were free, how much would you get? Probably get as much as the underwriters would approve based on your physical and financial health. Since cost is a factor, you've got to prioritize. There is another way. This podcast accompanies a blog post at Riscario Insider: Riscario Insider Subscribe on iTunes
Topics: podcast, actuary, riscario insider, planning, financial risks, procrastination
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Jan 12, 2013
01/13
Jan 12, 2013
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Promod Sharma
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Episode 202 She says she paid $290 for the camera but has no receipt and doesn't remember when she bought. Best Buy agrees to give her $190, which was the lowest price during the return period. The customer isn't alsways right ... or honest. This podcast accompanies a blog post at Riscario Insider: Customers behave like Pinocchio too Subscribe on iTunes
Topics: podcast, actuary, riscario insider, honesty, trust, disclosure
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Jan 6, 2013
01/13
Jan 6, 2013
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Promod Sharma
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Episode 201 Welcome to 2013. We'll start by reviewing what visitors read here on Riscario Insider in 2012. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, recommended, highlights, 2012
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Dec 22, 2012
12/12
Dec 22, 2012
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Promod Sharma
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Episode 200 Success comes from self-control. If you're not getting done what you want to get done, your willpower may be the problem. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/12/why-we-get-bad-advice.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, health, learning
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Dec 14, 2012
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Dec 14, 2012
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Promod Sharma
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Episode 199 We often get misled even if we pay for the advice. Whose fault is that? This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/12/why-we-get-bad-advice.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, trust, learning, buyer beware
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Dec 9, 2012
12/12
Dec 9, 2012
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Episode 198 If you miss a premium payment, getting your insurance coverage reinstated takes more than money. If you're short of money, you may decide to stop paying your insurance premiums temporarily. Thatâs gambling. You never know when you need coverage. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/12/reinstatement-trying-to-get-your.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, financial literacy, buyer beware, financial literacy, insurance
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Dec 1, 2012
12/12
Dec 1, 2012
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Promod Sharma
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eye 109
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Episode 197 You pay for advice for financial decisions relating to banking, financial planning, investments, insurance and tax. How did your advisors specifically help you improve your financial literacy last month? We'll look at other helpers too. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/12/do-your-advisors-help-with-your.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, financial literacy, trust, learning, buyer beware,...
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Nov 24, 2012
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Episode 196 It's Financial Literacy Month. It's also Pizza Month. Let's combine both and look at your Pizza Literacy. We'll examine a flyer. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/11/forget-financial-literacy-check-your.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, financial literacy, trust, learning
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Nov 16, 2012
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Episode 195 In 00 section, the mandatory retirement age is 45. What happens then? Sherlock Holmes became a beekeeper. That doesn't look like the fit for James Bond. A secret agent about life and death. How about life insurance agent? Let's explore that option. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/11/forget-financial-literacy-check-your.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, advisors, career, retirement
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Nov 9, 2012
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Nov 9, 2012
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Episode 194 Superstorm Sandy. Blackouts, Ice storms. Hurricanes. Tsunamis. Fire. We can't stop the devastation but can take steps for our protection. You may find youâre not as ready as you thought. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/11/reminders-from-disasters-like.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, families, financial risks, disasters, preparation
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Nov 4, 2012
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Episode 193 Jason Heath, a fee-only financial planner, interviewed me on the Objective Financial Hour. This podcast explains what the interview covered and includes that interview. You may know Jason from his articles in the Financial Post. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/11/financial-doctor-jason-heath-cfp.html#.UJXYJoZ0ajM Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, interview, trust, financial risks, life insurance, long-term...
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Oct 27, 2012
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Oct 27, 2012
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Episode 192 The Globe and Mail calls TEDxToronto the cityâs premier speaker series. I apply to attend every year. I've only been accepted in 2010 and now in 2012. The world has changed in-between. I have and so has TEDxToronto 2010 This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/10/how-tedxtoronto-has-changed.html#.UIxzuoZ0Z60 Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, learning, trust
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Oct 20, 2012
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Oct 20, 2012
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Episode 191 Have you noticed how the music business has changed since the 1980s (assuming you're old enough)? The life insurance industry has followed a similar path. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/10/how-musicians-and-advisors-evolved.html#.UIM0FoZ0Z60 Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, buyer beware, contrast
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Oct 13, 2012
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Episode 190 "Wall Street is the only place that people ride to in a Rolls Royce to get advice from those who take the subway." — Warren Buffett The investment advisor wore sunglasses and drove a BMW M6 convertible with the top down. The insurance advisor had a big black Mercedes. The client had pricey cars too and a gated house that reminded me of a prison. I felt out of place. Advisors tend to have nice cars because that looks like a sign of success. You want to hire a winner, but...
Topics: podcast, actuary, riscario insider, buyer beware, advisors, trust, perceptions
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Oct 6, 2012
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Oct 6, 2012
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Episode 189 You probably know more about investments than insurance. What if two insiders compared and contrasted for you? Thatâs what happened on Qb, a talk show about money. The host is Joe Barbieri (Joe The Investor) and the guest is actuary Promod Sharma. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/10/exploring-inner-worlds-of-investments.html#.UHCoe03A_qI Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, buyer beware, investments, life insurance, trust, advisors
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Sep 29, 2012
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Sep 29, 2012
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Episode 188 Financial bloggers play an important role in fighting innumeracy (i.e., in improving our financial literacy). They aren't perfect. This podcast explores potential issues with their content. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/09/where-financial-bloggers-fail-cpfc12.html#.UGeX7k3A84Q Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, trust, buyer beware, innumeracy, financial literacy
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Sep 21, 2012
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Episode 187 Are you looking for a VOIP phone service? We considered magicJack and Vonage but selected Ooma. Here's why. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/09/why-we-switched-to-ooma-phone-service.html#.UF6FoI1lTaF Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, buyer beware, families
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Sep 14, 2012
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Episode 186 How do you spot the real financial planners? You can't inject candidates with truth serum. If you want a planner who pays attention to details and keeps current. you'll find signs to guide you. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/09/how-to-spot-fake-fee-only-financial.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, buyer beware, financial planners, trust
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Sep 8, 2012
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Episode 185 "Because my dad didnât have any life insurance, I had to drop out of high school to run the family business. I worked 12-18 hours a day, six days a week." — Buddy Valastro It's Life Insurance Awareness Month once more. This year, 'Cake Boss' Buddy Valastro shares his experiences. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/09/how-cake-boss-buddy-valastro-made.html#.UEup8Jb-Xao Subscribe on iTunes:...
Topics: podcast, actuary, riscario insider, families, life insurance
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Aug 29, 2012
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Episode 184 It's time for students to return to school and for some to leave home. Our son is going to Western University where he'll be living in residence. This will be a big change for him and us. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/09/when-your-student-leaves-home.html#.UEIeF9ZlT_I Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, families, learning, careers
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Aug 25, 2012
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Aug 25, 2012
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Episode 183 Incentives affect behavior. Lance Armstrong wanted to win but doping got in the way. Outsized rewards encourage bad behavior. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/08/lance-armstrong-incentives-and-behavior.html#.UD6c_6OIh8E Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, trust, buyer beware, cheating, drugs, doping
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Aug 14, 2012
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Episode 182 I'm very disappointed by Jonah Lehrer. His June move from Wired to sister magazine, The New Yorker, was impressive. His plagiarism wasnât. He resigned (or got fired) on July 30th for lying. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/08/how-sorry-is-jonah-lehrer-for-his.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, trust, buyer beware, lies
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Aug 11, 2012
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Episode 181 The Olympics reward top performance in standardized competitions. How would your advisor fare? This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/08/imagine-your-advisor-in-olympics.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, trust, advisors, buyer beware
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Aug 4, 2012
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Episode 180 Welcome new listeners (and hello to regulars). Maybe you found me from The Globe and Mail article actuary invests in himself, which Larry Macdonald wrote in the Me And My Money feature. Thanks for dropping by. Let's look beyond the interview. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/08/actuary-invests-in-himself-beyond-globe.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, trust, financial risks, financial literacy, advisors, buyer...
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Jul 28, 2012
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Jul 28, 2012
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Episode 179 The innards in your computer matter when problems occur in - the quality of the components - the care in the assembly - the skill in the repairs The innards matter for your financial purchases too. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/07/repairing-your-computer-vs-fixing-your.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, trust, financial risks, financial literacy, advisors, buyer...
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Jul 21, 2012
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Episode 178 Our brain fools us. Our brains are divided into left and right hemispheres but that's not the right subdivision to ponder anymore. Recent research finds we have two brains: fast and slow. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/07/how-your-brain-works-against-you.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, learning, privacy
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Jul 14, 2012
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Episode 177 Absences give a good clue into how well your advisor serves you. When your advisor is inaccessible for days or weeks, do you know in advance? You may not care ... until the moment you need you help. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/07/when-your-advisor-is-on-vacation.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, advisors, time, vacation
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Jul 7, 2012
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Jul 7, 2012
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Episode 176 The e-mail was titled "Summer Project: 7 Ways to Increase the Value of Your Book and Generate More Revenues." Let me translate that for you: Itâs a suggestion that advisers sell certain products to their clients to generate maximum commission and fee revenue. --- Rob Carrick, The Globe & Mail, Jul 4, 2012 There are lots of attempts to help advisors sell more. Here are recent examples from publications directed at them. Let's explore. This podcast accompanies a blog...
Topics: podcast, actuary, riscario insider, trust, financial risks, financial literacy, advisors
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Jun 30, 2012
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Jun 30, 2012
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Episode 175 When someone helps you in a powerful way, a debt of sorts has been created. That doesn't mean you can or must repay it. Suppose you got an idea or an a-ha moment that changes your life. There's no possible way to repay the giver, even if they're âdoing their jobâ (e.g., your grade two teacher). This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/06/how-to-repay-nonfinancial-debt.html Subscribe on iTunes:...
Topics: podcast, actuary, riscario insider, procrastination, learning, families
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Jun 23, 2012
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Jun 23, 2012
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Episode 174 Understanding the financial basics is important but boring. Thereâs also the risk of getting biased advice. As a result, we may not know our 1-2-3s as well as our A-B-Cs. Even if you think you do, a refresher can't hurt. This week, Ellen Roseman of The Toronto Star taught a lively Financial Basics Workshop on behalf of the Financial Consumer Agency of Canada (FCAC), Investor Education Fund (IEF) and Ryerson University. This podcast accompanies a blog post at Riscario Insider:...
Topics: podcast, actuary, riscario insider, trust, financial risks, financial literacy
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Jun 15, 2012
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Jun 15, 2012
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Episode 173 What do you want to be when you grow up? When we're kids, we have big dreams. We might want to become actor, athlete, astronaut, dancer, detective, doctor, garbage collector, judge, life guard, painter, police person, singer, spy, ticket collector, time traveller, train conductor, truck driver, vet, writer, zookeeper. Maybe with a generous dollop of rich and famous. Did you ever meet a child who wanted to become an advisor? This podcast accompanies a blog post at Riscario Insider:...
Topics: podcast, actuary, riscario insider, advisors, financial risks, buyer beware, life insurance, health...
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Jun 9, 2012
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Jun 9, 2012
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Episode 172 What do you want to be when you grow up? When we're kids, we have big dreams. We might want to become actor, athlete, astronaut, dancer, detective, doctor, garbage collector, judge, life guard, painter, police person, singer, spy, ticket collector, time traveller, train conductor, truck driver, vet, writer, zookeeper. Maybe with a generous dollop of rich and famous. Did you ever meet a child who wanted to become an advisor? This podcast accompanies a blog post at Riscario Insider:...
Topics: podcast, actuary, riscario insider, trust, advisors, careers, financial risks
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Jun 2, 2012
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Jun 2, 2012
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Episode 171 There's a joy in meeting people who have a calling. They exude passion which spreads and inspires. Here are two excellent examples: Guillermo del Toro and Neil Hetherington. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/06/passion-of-guillermo-del-toro-neil.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, careers, philanthropy, inspiration, leaders
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May 26, 2012
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May 26, 2012
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Episode 170 "It only takes one big, bad mistake in a decade to blow your returns." --- Carl Richards Have you seen those nifty napkin drawings with profound insights? They are by Carl Richards. You may have seen them in the New York Times or his book, The Behavior Gap. Carl spoke at The Academy of Spherical Arts this week and shared ore insights. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/05/insights-from-carl-richards-and-his.html...
Topics: podcast, actuary, riscario insider, trust, advisors, investments, buyer beware
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May 19, 2012
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May 19, 2012
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Episode 169 "If you do what you ought to do when you ought to do it, the day will come when you can do what you want when you want to do it." --- Zig Ziglar Do you look for ways to keep promises, even when that's inconvenient and no one's watching. If you do, you've achieved a victory. You've planted another sequoia acorn in the forest of your character. This podcast accompanies a blog post at Riscario Insider:...
Topics: podcast, actuary, riscario insider, trust, planning, legacy
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May 12, 2012
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May 12, 2012
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Episode 168 Would you go to a doctor who also does dentistry, or an accountant who also prepares Wills? Their professional bodies may protect you by banning the overlap. Investments and insurance are very different but cross-selling occurs. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/05/why-insurance-advisors-also-sell.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, buyer beware, investments, life insurance
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May 5, 2012
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May 5, 2012
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Episode 167 We don't live in a perfect world. On any given day, you'll find reports of businesses behaving in ways that are less than noble. We can't rely on superheroes to save us. Litigation is risky, expensive and slow. We aren't powerless though.We're protected against by a combination of three powerful protectors. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/05/three-powerful-protectors-against.html Subscribe on iTunes:...
Topics: podcast, actuary, riscario insider, businesses, buyer beware
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Apr 27, 2012
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Episode 166 A Bucket List is a place to itemize what you want to do before you die and then start doing them. The list often contains exciting goals like travel. A Balk-it List is different ... This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, planning, time
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Apr 22, 2012
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Apr 22, 2012
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Episode 165 I just finished the 12 week Pick Four goals program. Is it right for you? Letâs explore. Episode 153 explains how this creation from Zig Ziglar and Seth Godin works (listen to http://archive.org/details/ReachYourGoalsWithPickFourFromZigZiglarAndSethGodin) This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/04/is-pick-four-goals-program-right-for.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, planning, goals, productivity, lerning
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Apr 14, 2012
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Apr 14, 2012
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Episode 164 CareerCast has released the list of the Best Jobs Of 2012. Actuary is #2 (up from #3 in 2011). Oh no. Studies like this create interest in becoming a actuary, whether as a student or by switching careers. Picking a job based on a ranking may not be the best choice. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/04/new-bestworst-jobs-list-and-you.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, career, families
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Mar 31, 2012
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Mar 31, 2012
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Episode 162 If you want to win the lottery, you've got to buy a ticket. These three entrepreneurs didn't put the odds in their favour. One is established, another is starting and the third is planning. Letâs look at the impressions and lessons they provided without even knowing. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/03/unintended-lessons-from-three.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, careers, financial risks, learning
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Mar 24, 2012
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Mar 24, 2012
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Episode 161 Opinions on whole life insurance get fiery. Advisors who sell it tend to be older. Whole life was probably the first product they sold. They've learned how to position it and deal with objections. They've convinced themselves of the merits. Criticize whole life and you're in for an argument ... This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/03/perils-of-whole-life-insurance.html Subscribe on iTunes:...
Topics: podcast, actuary, riscario insider, buyer beware, trust, mortality, guarantees, corporate governance
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Mar 17, 2012
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Mar 17, 2012
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Episode 160 Pyramids look wonderful ... as you get to the top. But there's not much room at the pinnacle. The masses at the bottom do the work and hold up the structure. Multilevel marketing (MLM) looks like an easy escalator ride but ... This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/03/perils-of-pyramids-and-multilevel.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, buyer beware, trust
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Mar 10, 2012
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Mar 10, 2012
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Episode 159 This week, I was interviewed on camera for the first time. The clip is about the length of a TED Talk. The program is Liquid Lunch with Hugh Reilly and Sandra Kyrzakos on ThatChannel.com. Hereâs what happened. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/03/interviewed-on-liquid-lunch.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, buyer beware, advisors, trust
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Mar 4, 2012
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Mar 4, 2012
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Episode 158 Former lawyer Scott Rothstein has been jailed for 50 years for his $1.2 billion scam in Florida. Fooling people is easier when you've got credible parties involved. Accountants. Lawyers. Banks. TD Bank has set aside $255,000,000 to deal with their role. This podcast looks beyond to other issues This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/03/looking-beyond-td-bank-and-rothstein.html Subscribe on iTunes:...
Topics: podcast, actuary, riscario insider, trust, buyer beware, investments, fraud
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Feb 24, 2012
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Feb 24, 2012
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Episode 157 Financial services is still the least trusted sector on the planet (Edelman Trust Barometer 2012) but that's where I work. Maybe that's why I think about ways to help you spot trust. My definition keeps evolving. I thought I had the foolproof measure of trust in Nov 2010 ... but got fooled. Here is the latest — and ideally final — prescription. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/02/new-prescription-for-trust.html Subscribe on...
Topics: podcast, actuary, riscario insider, buyer beware, advisors, trust
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Feb 18, 2012
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Feb 18, 2012
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Episode 156 The global 2012 Edelman Trust Barometer ranks financial services at the bottom again (even worse than banks). In this environment, how do you know if your financial advisor is looking out for your best interests? Blogging is an excellent way for advisors to continually show they're on your side. Does your advisor have a blog? If not, why not? Ditto for podcasting This podcast accompanies a blog post at Riscario Insider:...
Topics: podcast, actuary, riscario insider, advisors, trust, legacy
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Feb 12, 2012
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Feb 12, 2012
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Episode 155 Once we got a flat tire on the highway at night. We got towed to a tire shop that the tow truck operator recommended. Did he receive a financial incentive? When youâre referred to someone else for help â accountant, lawyer, coach, investment advisor, insurance advisor, financial planner, plumber â could hidden incentives bias the recommendations? This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/02/how-to-spot-biased-referrals.html Subscribe...
Topics: podcast, actuary, riscario insider, buyer beware, advisors, trust
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Feb 4, 2012
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Feb 4, 2012
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Episode 154 The consumer world places a premium on the exclusive or innovative. In the financial world, deviating from convention has consequences ... This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/02/lure-of-exclusive-financial-strategies.html Subscribe on iTunes: http://itunes.apple.com/ca/podcast/riscario-insider/id424527460
Topics: podcast, actuary, riscario insider, goals, buyer beware, financial risks, life insurance, advisors,...
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Jan 29, 2012
01/12
Jan 29, 2012
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Promod Sharma
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Episode 153 Who needs another system for achieving goals? We do. Pick Four is a 12 week approach from Zig Ziglar and updated by Seth Godin. In the past, I've used elements of Getting Things Done and the First Things First process from the Seven Habits.Pick Four has advantages over both and can be used concurrently. This podcast accompanies a blog post at Riscario Insider: http://blog.riscario.com/2012/01/reach-your-goals-with-pick-four-from.html Subscribe on iTunes:...
Topics: podcast, actuary, riscario insider, goals, planning, obstacles